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OCBC Voyage Credit Card


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Best for High Income Earners, Non Frequent Flyers


2.2 Miles

For Every S$1 Spent*

15,000 Bonus Miles*

Sign-up Gift

No Blackout Date

Redemption Period

S$25 KrisFlyer Miles


The VOYAGE Card by Singapore’s OCBC Bank is just like other OCBC credit cards with a Voyage Miles program, where cardholders can earn miles for every foreign currency spend or local spend. But while OCBC VOYAGE Miles do not expire unlike competitors’ cards,  it comes with a high price.

OCBC Voyage Credit Card Rewards

  • The non-expiry of miles earned with OCBC VOYAGE Card is a huge asset as other cards’ miles may be rendered invalid in just two years.  This means OCBC VOYAGE cardholders can continue to earn voyage miles without being forced to redeem voyage miles frequently.

    Here are other incentives with the OCBC VOYAGE CARD:

    • Earn rewards like 2.2 VOYAGE Miles for every S$1 spent using foreign currency, 1.3 VOYAGE Miles for every S$1 local spend when using OCBC VOYAGE Card
    • 15,000 bonus VOYAGE Miles after availing of the OCBC VOYAGE Card
    • Upgrading to OCBC Premier VOYAGE and Bank of Singapore VOYAGE gives 2.3 VOYAGE Miles for every S$1 spent using foreign currency, 1.6 VOYAGE Miles for every S$1 spent for local purchases
    • Upgrade option adds a 2.3 VOYAGE Miles perk for every S$1 local dining spend
    • No black out dates which means miles for flights can be redeemed at any time
    • VOYAGE payment facility allows cardholders to use card for payment service providers that would not require credit cards, thus saving up miles
    • S$25 KrisFlyer (KF) Miles redemption fee is waived when converting VOYAGE Miles
  •  Access to OCBC VOYAGE Visa Infinite Exclusive Benefits which includes perks in golf, travel, shopping, and dining experiences
  • 19 percent off fuel spend at Caltex when using credit card
  • Option to earn both miles and loyalty points by topping up e-wallet with OCBC VOYAGE Card
  • Complimentary second night stay at Raffles Singapore; complimentary third night stay at St. Regis Singapore and Shangri-La Hotel Singapore
  • One month free trial for Viu plus 50 percent off for Viu Premium Subscription


  • Free ride: Two free limo transfers monthly if minimum spending is at S$5,000 in local or foreign currency
  • VIP Lounge Access: Complimentary unlimited lounge access to around 80 VIP lounges in airports worldwide with free several amenities
  • Shopping Perks and more: Numerous perks like fuel discounts, shopping perks, hotel bookings
  • Discount: Discounted pre-departure COVID-19 swab test at S$135 instead of the usual S$200++; swab and serology test at S$180

However, there are things that VOYAGE Card hopefuls would have to consider:


  • High Income Requirement: High minimum annual income requirement of S$120,000 compared to the usual S$30,000
  • Expensive Fees: High annual card fees of S$488 per year
  • Limited: Miles from VOYAGE Card can only be pooled with the OCBC VOYAGE Card, OCBC Premier VOYAGE Card, OCBC Premier Private Client VOYAGE Card or Bank of Singapore VOYAGE Card — which means it cannot be transferred other OCBC Bank cards
  • Fewer Airports Available: Fewer airport lounges available unlike other miles offerings

How to Apply

21 years old and above

S$120,000 and above

Annual FeeS$488 
Fee waiverNo Waiver 
Annual Interest Rate26.9% p.a.
Late Payment FeeS$100
Cash Advance Fee $15 or 6%, whichever is highest
Minimum Monthly Spend:S$2,000
Minimum Monthly Payment:$50 or 1+1%, whichever is highest
Foreign Currency Transaction Fee3.25%

Singaporean / PR

  • A copy of your passport or NRIC
  • Your Income Tax Notice of Assessment or last 12 months’ CPF statements
  • Last 3 months’ bank statements (only applies if you are self employed)


  • A copy of your passport and work permit (with minimum 6 months validity)
  • A copy of utility/telephone bill or bank statement with your name and address
  • Income Tax Notice of Assessment and latest original computerized payslip

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

How Does It Compare To Other Credit Cards in Singapore?

While other cards require lower minimum annual income and fees, the perks provided by OCBC VOYAGE Card are unmatched.  More details on how the OCBC VOYAGE Card compares with four other credit cards with miles programs can be found on our table:



HSBC Revolution Credit Card

Maybank Horizon Visa Signature Card


UOB Preferred Platinum Visa Card

Standard Chartered Visa Infinite X

Minimum annual income requirement

– S$30,000 for citizens and permanent residents

– S$40,000 for foreigners

– S$30,000 for citizens and permanent residents

– S$60,000 for foreigners


– S$30,000 for citizens and permanent residents

– S$80,000 for foreigners

S$80,000 for citizens, permanent residents, and foreigners

Annual fee/ membership fees/ sign-up perks

No annual fee; possible cashback of as much as S$120 when spending at least S$500

– S$180

– Cash credit of S$100 if minimum of S$250 withdrawn from CreditAble account

– S$488;

– 15,000 VOYAGE miles awarded 24 hours after payment

– S$192.60;

– Cash credit of S$300 for first 100 successful UOB card holders with minimum spend of S$1,500

– S$695.4

– 30,000 miles as welcome gift

Interest rates/ late payment fees

25.90% or S$55

25.90% or 5% or minimum of S$80

26.9%; S$100

25.90%; S$90

26.90%; S$100

Minimum spend

No minimum spend requirement

No minimum spend requirement

S$2,000 monthly minimum spend provides perks

S$1,500 monthly minimum spend provides S$190 cash credit

S$4,000 monthly minimum spend provides perks

Cash rebates and miles

– 4 miles per S$1 spend on online transactions, for a 2.5% cashback

– S$1 is equivalent to 10 points on reward system

– S$300 monthly spend unlocks cashback mechanism

– 3.2 miles per S$1 on local dining, 2 miles per S$1 on overseas spend

– Cashback for those spending over S$8,000 per month.

– 2.2 VOYAGE Miles for every S$1 spent using foreign currency

– Rewards can be converted into miles

– S$5 can be exchanged for 10X UNI$

– 1 UNI$ translates to 2 miles

– cap of 4,000 miles per month

– 2 Miles for every S$1 on overseas spend

– 1.2 Miles for local spend


– 16% discount in fuel prices at Caltex; 14% discount for Shell

– Complimentary travel insurance worth S$300,000 if travel expenses are charged to credit card

– 25% off from total bill at Express merchants for dine in and takeaway

– Complimentary airport lounge access

– Travel insurance of up to S$1 million when travel expenses are charged to credit card

– TREATS points provide privileges in shopping and dining vouchers at other neighbor countries

– No mile expiry

– Several exclusive privileges like free hotel stays, fuel discounts, restaurant benefits, airport lounges

– Over 1,000 dining and entertainment privileges to choose from

– S$4 off with minimum S$40 spend on Shopee for existing customers

– S$8 off with a minimum S$16 spend on Shopee for new customers

– 30% off of dining bill at all Marina Bay Sands

– Free upgrades, amenities, breakfast for 2 at The St. Regis, Shangri-La Hotels

– 30% off at participating golf clubs in Asia


Our Verdict

OCBC VOYAGE Card would be best suited for affluent consumers as the credit card requires a high annual income, and because several perks can be unlocked through a high yearly spend.

There are more competitive cards like the HSBC Revolution Credit Card and the Maybank Horizon Visa Signature Card which either waives or offers lower  annual fees while still being able to earn high miles locally, but OCBC VOYAGE Card’s non-expiring miles would also fit people with shifting travel schedule.

Key Takeaways

  • The non-expiry of miles earned with OCBC VOYAGE Card is a huge asset as other cards’ miles may be rendered invalid in just two years.  
  • The annual fee for the OCBC VOYAGE Card is S$488 per year. However, the bank also offers higher card annual fees of S$3,210, which would provide an initial 150,000 VOYAGE Miles after sign-up — way higher than original 15,000 miles.
  • OCBC VOYAGE Card would be best suited for affluent consumers as the credit card requires a high annual income, and because several perks can be unlocked through a high yearly spend.
  • With OCBC Voyage Card, you can to settle income tax payment through cards

Even with many perks and privileges, having extra pocket money when traveling is a must. Want to take out personal loans but don’t know which money lender to choose? Let loan comparison sites like Loan Advisor do the work!

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